fully secured creditors

简明释义

担保充分的债权人

英英释义

例句

1.The company was able to negotiate favorable terms with its fully secured creditors 完全担保债权人 to avoid liquidation.

该公司能够与其完全担保债权人 fully secured creditors 协商出有利的条款，以避免清算。

2.In the event of bankruptcy, the rights of fully secured creditors 完全担保债权人 are prioritized over those of unsecured creditors.

在破产事件中，完全担保债权人 fully secured creditors 的权利优先于无担保债权人。

3.During the restructuring process, fully secured creditors 完全担保债权人 played a crucial role in determining the future of the company.

在重组过程中，完全担保债权人 fully secured creditors 在决定公司的未来方面发挥了关键作用。

4.Investors often prefer to lend to fully secured creditors 完全担保债权人 because their loans are backed by collateral.

投资者通常更愿意借给完全担保债权人 fully secured creditors，因为他们的贷款是有抵押品支持的。

5.The court ruled that the assets should be liquidated to pay off fully secured creditors 完全担保债权人 before any distributions to shareholders.

法庭裁定应将资产变现以偿还完全担保债权人 fully secured creditors，然后再向股东分配。

作文

In the world of finance and business, the term fully secured creditors refers to those lenders or investors who have a complete claim over the assets of a borrower. This means that if the borrower defaults on their obligations, these creditors have the right to seize the collateral that was pledged to secure the loan. Understanding the role of fully secured creditors is crucial for both businesses seeking financing and individuals looking to understand their financial obligations. When a company seeks to borrow money, it often must provide some form of security to assure the lender that they will be repaid. This security can come in various forms, including real estate, equipment, inventory, or other valuable assets. When a creditor is classified as fully secured, it indicates that the value of the collateral is equal to or greater than the amount of the loan. This classification provides a significant level of assurance to the creditor, reducing their risk of loss. For example, consider a manufacturing company that needs to purchase new machinery. To finance this purchase, the company approaches a bank for a loan. The bank agrees to lend the company $100,000, but only if the company pledges its existing machinery as collateral. In this scenario, the bank becomes a fully secured creditor because the machinery's value is sufficient to cover the loan amount. If the company fails to repay the loan, the bank has the legal right to take possession of the machinery and sell it to recover the owed amount. The distinction between fully secured creditors and unsecured creditors is vital in bankruptcy proceedings. Unsecured creditors, such as credit card companies or suppliers, do not have specific claims on any particular assets. In the event of a bankruptcy, these creditors are often last in line to receive any payments, as their claims are subordinate to those of fully secured creditors. This hierarchy of claims underscores the importance of securing loans with collateral, as it provides a safety net for lenders. Moreover, the presence of fully secured creditors can influence a company's decision-making process. Knowing that certain debts are secured by collateral may lead management to prioritize these debts over unsecured obligations. In times of financial distress, a company may choose to negotiate with fully secured creditors to restructure its debt, which can include extending payment terms or adjusting interest rates. This negotiation process is essential for maintaining liquidity and ensuring the company can continue operations. In conclusion, the concept of fully secured creditors plays a critical role in the financial landscape. Their rights to collateral provide a layer of security for lenders, while also impacting the financial strategies of borrowers. Whether in a corporate setting or personal finance, understanding the implications of being a fully secured creditor helps individuals and businesses navigate their financial responsibilities more effectively. As we move forward in an increasingly complex financial world, the significance of securing loans with adequate collateral cannot be overstated.

在金融和商业领域，术语完全担保债权人指的是那些对借款人的资产拥有完整索赔的贷方或投资者。这意味着，如果借款人未能履行其义务，这些债权人有权扣押作为贷款担保的抵押品。理解完全担保债权人的角色对于寻求融资的企业和希望了解其财务义务的个人至关重要。当一家公司寻求借款时，通常必须提供某种形式的担保，以确保贷方会得到偿还。这种担保可以采用各种形式，包括房地产、设备、库存或其他有价值的资产。当债权人被分类为完全担保时，表明抵押品的价值等于或大于贷款金额。这种分类为债权人提供了显著的保障，降低了其损失风险。例如，考虑一家需要购买新机器的制造公司。为了融资这笔购买，该公司向银行申请贷款。银行同意借给公司10万美元，但前提是该公司将其现有的机器作为抵押。在这种情况下，银行成为完全担保债权人，因为机器的价值足以覆盖贷款金额。如果公司未能偿还贷款，银行有权依法收回机器并出售以追回欠款。在破产程序中，完全担保债权人和无担保债权人之间的区别至关重要。无担保债权人，例如信用卡公司或供应商，并没有对任何特定资产的具体索赔。在破产的情况下，这些债权人通常排在最后，获得任何付款，因为他们的索赔优先于完全担保债权人。这种索赔的等级制度凸显了用抵押品担保贷款的重要性，因为它为贷方提供了安全网。此外，完全担保债权人的存在可能会影响公司的决策过程。知道某些债务是由抵押品担保的，可能会导致管理层优先考虑这些债务而不是无担保的义务。在财务困境时期，公司可能会选择与完全担保债权人进行谈判，以重组其债务，这可能包括延长还款期限或调整利率。这一谈判过程对于维护流动性和确保公司能够继续运营至关重要。总之，完全担保债权人的概念在金融环境中发挥着关键作用。他们对抵押品的权利为贷方提供了一层安全性，同时也影响借款人的财务策略。无论是在企业环境还是个人财务中，了解作为完全担保债权人的含义有助于个人和企业更有效地应对其财务责任。随着我们在一个日益复杂的金融世界中前进，用足够的抵押品担保贷款的重要性不容小觑。